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8 loans like Cash Central

Compare licensed lenders — including ones that offer same-day funding.

Editor's choice: Fast5kLoans Short-term Loans Connection Service

Fast5kLoans Short-term Loans Connection Service logo
  • Wide range of loan amounts
  • Variety of loan terms
  • Quick process
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Cash Central is a member of the Community Financial Services Association (CFSA) and offers payday loans, installment loans and lines of credit to borrowers. It’s upfront about its rates, and if you apply at a store, you could receive your loan on the same day.

But it has high late fees and its loan options aren’t available in every state. These alternatives offer similar options — but many have their own drawbacks you should be aware of before applying.

Pros

  • Prepaid debit cards available
  • Upfront about interest rates
  • Member of the CFSA

Cons

  • High volume of BBB complaints
  • Typical APR of 200% or more

Check Into Cash Payday Loan

4.5 / 5 ★★★★★

Like Cash Central, Check Into Cash offers payday loans, installment loans and prepaid debit cards. It also has store locations, which means you may be able to get cash the same day you apply. However, you need to be at least 21 to apply. While it has high rates — often over 300% — it's still lower than Cash Central's rates in some states.
Pros
  • Loans as small as $50
  • Same-day funding available
  • Prepaid debt cards available
Cons
  • Must be at least 21 years old
  • Low rating on BBB page
  • Typical APR of 300% or more
Loan amountVaries by state
Interest rate typeFixed
Loan TermVaries by state
Turnaround time1 to 2 business days

ACE Cash Express Short-term Loans

3.6 / 5 ★★★★★

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on ACE Cash Express's secure site
ACE Cash Express offers a unique option: A 72-hour return period if you decide not to borrow. Like Cash Central, there are prepaid debit cards and same-day funding when you apply at a store. But its online loan options are limited, and it isn't as upfront about costs as some other lenders.
Pros
  • 72-hour return period
  • Prepaid debt cards available
  • Same-day funding available
Cons
  • Low rating on BBB page
  • Limited online payday loan options
  • Not upfront about costs
Loan amount$100 - $5,000
Interest rate typeFixed
Loan TermVaries by state
Turnaround timeAs fast as same business day

CashNetUSA Loan

3.6 / 5 ★★★★★

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on CashNetUSA's secure site
CashNetUSA is one of the few lenders that is completely upfront about the costs for its payday loans, installment loans and lines of credit. So while you can expect interest rates of 200% or more, you'll at least know before you borrow. However, it has faced previous government action from California and has bad customer reviews on its BBB page.
Pros
  • Same-day funding available
  • Upfront about costs
Cons
  • Faced previous government action
  • Low rating on BBB page
Loan amount$100 - $1,800
Interest rate typeFixed
Loan TermVaries by state
Turnaround timeAs fast as same business day

Check City Payday Loan

4.3 / 5 ★★★★★

Check City does have same-day funding if you apply at a store — but it only has stores in four states. Its interest rates are frequently 150% to 600%, but in some cases, your APR can top 900%. That being said, it's upfront about its costs. And unlike many other lenders like Cash Central, Check City has positive customer reviews.
Pros
  • Upfront about fees and regulations
  • Same-day funding available
  • Positive customer reviews
Cons
  • Limited storefront locations
  • No online loans in Virginia or Colorado
  • APR as high as 900% in some states
Loan amountDepends on state of residency
Interest rate typeVariable
Loan TermVaries by state
Turnaround timeSame business day to 1 business days

Check 'n Go Payday Loans

Check 'n Go is another lender that offers online and in-store loans. Same-day funding is available, and like Cash Central, it's a member of the CFSA. But Check 'n Go frequently charges interest rates of over 300% and has a high volume of BBB complaints. It's also been spoofed before, so confirm you're on its actual website if you want to apply online.
Pros
  • Same-day funding available
  • Member of the Community Financial Services Association (CFSA)
  • Prepaid debt cards available
Cons
  • High volume of BBB complaints
  • Typical APR of 300% or more
Loan amount$100 - $1,500
Interest rate typeVariable
Loan TermVaries upon state
Turnaround timeAs soon as the same day

Advance America

Advance America is a member of the CFSA like Cash Central, but it isn't as upfront about its rates. And while you can borrow a loan as small as $50 or get a prepaid debit card, previous lawsuits and a high volume of BBB complaints aren't a positive sign. It's an alternative to Cash Central — but it may not be your best choice.
Pros
  • Loans as small as $50
  • Member of the CFSA
  • Prepaid debt cards available
Cons
  • Faced previous lawsuits
  • Not transparent about costs
  • Monthly income requirement of $1,000 or more
Loan amountUp to $1,000
Interest rate typeFixed
Loan TermVaries

Speedy Cash Short-term Loans

4.45 / 5 ★★★★★

Speedy Cash offers payday loans, installment loans and prepaid debit cards like Cash Central. You may also be able to borrow a line of credit or title loan. However, it has quite a few complaints on its BBB page, and there are only store locations in 15 states. This means that same-day funding — and prepaid debit cards — are limited.
Pros
  • Loans as small as $50
  • Same-day funding available
  • Apply online, by phone or in person
Cons
  • High volume of BBB complaints
  • In-store loans only available in 15 states
  • Typical APR of 200% or more
Loan amount$50 - $26,000
Interest rate typeFixed
Loan TermVaries
Turnaround time1 day

CashUSA Installment Loans

Go to site
on CashUSA.com's secure site
CashUSA is a connection service, not a direct lender. This means that the information you submit to its website will be used to help you find a lender that meets your needs. But while the interest rate you get will be capped at 35.99%, borrowers with bad credit are unlikely to qualify for larger loans or the more competitive rates listed on its website.
Pros
  • Loans up to $10,000
  • APR capped at 35.99%
  • Quickly check eligibility
Cons
  • Not guaranteed to be connected with a lender
  • Unlikely to qualify for loans over $1,000
Loan amount$500 - $10,000
Interest rate typeFixed
Loan Term90 days to 72 months
Turnaround timeAs fast as same business day

Compare more payday loans like Cash Central

Browse more providers that offer payday loans and installment loans.

Name Product Filter Values Loan amount Turnaround time Requirements
OppLoans Installment Loans
$500 to $5,000
1 business day
Direct deposit, meet minimum income requirements, live in eligible state
Comes with the option to change your due date so you won’t fall behind on repayments.
CashNetUSA Loan
Varies by state
As fast as same business day
Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.
Stilt
$1,000 to $25,000
2 to 3 business days
Be employed, have a US bank account, live in a state where Stilt operates, hold one of the following visas: F-1 and OPT, H-1B, H4, O-1, L-1, TN, J-1, DACA or be a US citizen.
No green card? You could still qualify for a personal loan.
Fast5kLoans Short-term Loans Connection Service
$100 to $35,000
As soon as the next business day
Regular source of income, verifiable bank account, US citizen, ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
LendYou Short-term Loans
$100 to $2,500
Same business day to 1 business day
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
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